Frequently-asked questions by tag

If someone decides not to buy health insurance and is injured in accident, what happens?

If someone decides not to buy health insurance and is injured in accident, what happens?

December 19, 2018 – Q: If a person opts out of buying insurance, gets in an accident and goes to hospital emergency room – what happens? A: When a… Read more

Woman at computer with boss pointing trying to figure out if she can buy own insurance instead of employer plan

My employer offers insurance, but I think it’s too expensive. Can I apply for a subsidy to help me buy my own insurance?

December 16, 2018 – Q: My employer offers insurance, but I think it's too expensive. Can I apply for a subsidy to help me buy my own insurance? A: Probably… Read more

If I have access to health insurance, can my husband’s company deny me coverage?

If I have access to health insurance, can my husband’s company deny me coverage?

December 15, 2018 – The ACA requires employers with 50 or more workers to offer coverage to employees and their children (until age 26), but not spouses. But… Read more

I’m self-employed, so my AGI is dependent on my premium

My premium subsidy is dependent on my AGI. But I’m self-employed, so my AGI is dependent on my premium. Help!

September 18, 2018 – Q. Under the ACA, my insurance premium subsidy is dependent on adjusted gross income (AGI). But, for a self-employed person, AGI is… Read more

Can health insurance policies still have lifetime benefit maximums? What about annual benefit maximums?

February 23, 2018 – Q.  Can health insurance policies still have lifetime benefit maximums?  What about annual benefit maximums? A.  All new individual… Read more

Can you explain the controversy around the IPAB and why it was repealed?

February 10, 2018 – Q. What is this controversy regarding the IPAB really about? Are politics involved? A. The IPAB never convened and its process was never… Read more

I purchased health insurance under the Affordable Care Act in Texas, but I have moved to Colorado. How do I transfer my coverage?

I purchased health insurance under the Affordable Care Act in Texas, but I have moved to Colorado. How do I transfer my coverage?

January 22, 2018 – Q. I purchased healthcare insurance under the Affordable Care Act in Texas. I have now moved to Colorado. How do I transfer my coverage? A:… Read more

Will every business with more than 50 employees pay a penalty if they don’t offer ‘affordable, comprehensive’ insurance?

Does every business with 50 or more employees pay a penalty if it doesn’t offer ‘affordable, comprehensive’ insurance?

January 9, 2018 – Q. Does every business with more than 50 employees pay a penalty if they don’t offer "affordable, comprehensive" insurance? A.… Read more

Are employers required by the Affordable Care Act to purchase group insurance for their employees?

Are employers required by the Affordable Care Act to purchase group insurance for their employees?

January 8, 2018 – Q: Are employers required by the Affordable Care Act to purchase group insurance for their employees? A: Yes, depending on their size.… Read more

I work part-time. Am I eligible for a premium subsidy to help me buy insurance?

I work part-time. Am I eligible for a premium subsidy to help me buy insurance?

October 6, 2017 – Q: I work part-time. Will I be eligible for a premium subsidy to help me buy insurance? A: Your eligibility for a premium subsidy isn't… Read more

Two student shadows on brick questioning health policies about birth control

Do student health policies have to cover birth control without co-pays?

June 8, 2017 – Q. Do student health policies have to cover birth control without co-pays? A. Yes. Policies that began on or after August 1, 2012, are… Read more

Does Obamacare make health coverage less expensive for the self-employed?

Does Obamacare make health coverage less expensive for the self-employed?

December 30, 2016 – Q. Does Obamacare make health insurance for the self-employed less expensive? A. It depends on how much they earn, and whether they were… Read more